“Why, then, your other children would get the 500 pounds—or your heirs, whoever they may be. It’s a splendid system that, of insurance against accident. Just look at me, now.” He spread out his hands and displayed himself, looking from one to the other as if he were holding up to admiration something rare and beautiful. “Just look at me. I’m off on a tour of three months through England, Scotland, and Ireland—not for my health, madam, as you may see—but for scientific purposes. Well, what do I do? I go to the Railway Passengers Assurance Company’s Office, 64 Cornhill, London, (I like to be particular, you see, as becomes one who professes to be an amateur student of the exact sciences), and I take out what they call a Short Term Policy of Insurance against accidents of all kinds for a thousand pounds—1000 pounds, observe—for which I pay the paltry sum of 30 shillings—1 pound, 10 shillings. Well, what then? Away I go, leaving behind me, with perfect indifference, a wife and two little boys. Remarkable little boys, madam, I assure you. Perfect marvels of health and intelligence, both of ’em—two little boys, madam, which have not been equalled since Cain and Abel were born. Every one says so, with the exception of a few of the cynical and jaundiced among men and women. And, pray, why am I so indifferent? Just because they are provided for. They have a moderately good income secured to them as it is, and the 1000 pounds which I have insured on my life will render it a competence in the event of my being killed. It will add 50 pounds a year to their income, which happens to be the turning-point of comfort. And what of myself? Why, with a perfectly easy conscience, I may go and do what I please. If I get drowned in Loch Katrine—what matter? If I break my neck in the Gap of Dunloe—what matter? If I get lost and frozen on the steeps of Ben Nevis or Goatfell—what matter? If I am crushed to death in a railway accident, or get entangled in machinery and am torn to atoms—still I say, what matter? 1000 pounds must at once be paid down to my widow and children, and all because of the pitiful sum of 30 shillings.
“But suppose,” continued the enthusiastic man, deepening his tone as he became more earnest, “suppose that I am not killed, but only severely injured and mangled so as to be utterly unfit to attend to my worldly affairs—what then?”
Mrs Tipps shuddered to think of “what then.”
“Why,” continued the enthusiastic gentleman, “I shall in that case be allowed from the company 6 pounds a week, until recovered, or, in the event of my sinking under my injuries within three months after the accident, the whole sum of 1000 pounds will be paid to my family.”
Mrs Tipps smiled and nodded her head approvingly, but Mrs Marrot still looked dubious.
“But, sir,” she said, “supposin’ you don’t get either hurt or killed?”
“Why then,” replied the elderly gentleman, “I’m all right of course, and only 50 shillings out of pocket, which, you must admit, is but a trifling addition to the expenses of a three months’ tour. Besides, have I not had three months of an easy mind, and of utter regardlessness as to my life and limbs? Have not my wife and boys had three months of easy minds and indifference to my life and limbs also! Is not all that cheaply purchased at 30 shillings? while the sum itself, I have the satisfaction of knowing, goes to increase the funds of that excellent company which enables you and me and thousands of others to become so easy-minded and reckless, and which, at the same time, pays its fortunate shareholders a handsome dividend.”
“Really, sir,” said Mrs Tipps, laughing, “you talk so enthusiastically of this Insurance Company that I almost suspect you to be a director of it.”
“Madam,” replied the elderly gentleman with some severity, “if I were a director of it, which I grieve to say I am not, I should only be doing my simple duty to it and to you in thus urging it on your attention. But I am altogether uninterested in it, except as a philanthropist. I see and feel that it does good to myself and to my fellow-men, therefore I wish my fellow-men to appreciate it more highly than they do, for it not only insures against accident by railway, but against all kinds of accidents; while its arrangements are made to suit the convenience of the public in every possible way.”
“Why, madam,” he continued, kindling up again and polishing his head violently, “only think, for the small sum of 4 pounds paid annually, it insures that you shall have paid to your family, if you chance to be killed, the sum of 1000 pounds, or, if not killed, 6 pounds a week while you are totally laid up, and 1 pound, 10 shillings a week while you are only partially disabled. And yet, would you believe it, many persons who see the value of this, and begin the wise course of insurance, go on for only a few years and then foolishly give it up—disappointed, I presume, that no accident has happened to them! See, here is one of their pamphlets!”